Effective February 23, 2026
The short version: Cash Flow Tool does not collect, transmit, or share any of your personal or financial data. Everything you enter stays on your device and in your own private iCloud account. We have no servers, no accounts, and no visibility into your data.
We do not collect any information from you. Cash Flow Tool has no account system, no registration process, and no analytics or tracking of any kind.
The financial data you enter into the app (bills, income, credit cards, loans, balances, and related entries) is stored exclusively in the following locations:
This data is never transmitted to our servers, because we do not operate any servers.
If you have iCloud enabled on your device, your data will sync across your Apple devices through Apple's CloudKit infrastructure. This sync happens directly between your devices and your iCloud account. We have no access to this data at any point.
The app also supports optional iCloud sharing, which allows you to share your financial data with another person (such as a partner or family member). This sharing is entirely user-initiated. You control who receives access, and you can revoke it at any time through the app's Settings page.
Apple's handling of iCloud data is governed by Apple's Privacy Policy.
Cash Flow Tool offers an optional biometric lock using Face ID, Touch ID, or device passcode. When enabled, the app requires authentication each time it opens.
Biometric data is processed entirely by Apple's Secure Enclave on your device. The app never has access to your biometric data and does not store, transmit, or process it in any way.
Cash Flow Tool does not include any third-party SDKs, advertising networks, analytics platforms, or crash reporting services. No data is shared with any third party for any purpose.
Cash Flow Tool does not collect personal information from anyone, including children under the age of 13. There is nothing to collect.
If this policy changes in a meaningful way, we will update the effective date above and post the revised policy at this URL. We encourage you to review it periodically.